Multi-channel geo-fencing systems and methods

Abstract

A method of remotely configuring a banking application based on a detected location of a computing device running the banking application, the method comprising: receiving a beacon identifier relating to a location of the computing device; determining the location of the computing device based on the beacon identifier; transmitting information about the determined location associated with a second authentication level that does not require authentication information; receiving authentication information relating to the user; authenticating the user to access a graphical user interface associated with the determined location based on the received authentication information; transmitting an authentication decision to the computing device; and displaying the graphical user interface instead of the information about the determined location.

What is claimed is: 
     
       1. A method comprising:
 receiving, by a processor, a beacon identifier relating to a location of a computing device and a predetermined location, the predetermined location associated with an at least one authentication level requiring authentication information of a user of the computing device; 
 determining, by the processor based on the beacon identifier, the location of the computing device matches the predetermined location; 
 responsive to the location of the computing device matching the predetermined location, receiving, by the processor, the authentication information; 
 responsive to receiving the authentication information, instructing, by the processor, the computing device to permit the user to access information; 
 failing to authenticate, by the processor, the user to access a graphical user interface associated with the predetermined location based on the authentication information; 
 responsive to failing to authenticate the user to access the graphical user interface, instructing, by the processor, the computing device to not permit the user to access the graphical user interface; and 
 continuing to display, by the processor, the information about the predetermined location. 
 
     
     
       2. The method of  claim 1 , wherein the at least one authentication level includes a first authentication level and a second authentication level, wherein the first authentication level and the second authentication level are different. 
     
     
       3. The method of  claim 1 , further comprising creating, by the processor, a token identifying the user and the computing device to be stored on the computing device,
 wherein the authentication information comprises the token. 
 
     
     
       4. The method of  claim 1 , wherein the at least one authentication level is based on a user history received from a backend system, the user history comprising at least one of a user visit frequency, a list of visited branch locations, or visit patterns. 
     
     
       5. The method of  claim 1 , further comprising receiving, by the processor, a prestaged transaction request, wherein the prestaged transaction request is received from the computing device via a graphical user interface. 
     
     
       6. The method of  claim 1 , further comprising:
 receiving, by the processor, a second beacon identifier relating to a second location of the computing device and a second predetermined location; 
 determining, by the processor based on the second beacon identifier, the second location of the computing device matches the second predetermined location; and 
 transmitting, by the processor, a second graphical user interface associated with the second predetermined location. 
 
     
     
       7. The method of  claim 1 , wherein the information corresponds to the at least one authentication level. 
     
     
       8. A non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by a computing system, causes the computing system to perform operations comprising:
 receiving a beacon identifier relating to a location of a computing device and a predetermined location, the predetermined location associated with an at least one authentication level requiring authentication information of a user of the computing device; 
 determining, based on the beacon identifier, the location of the computing device matches the predetermined location; 
 responsive to the location of the computing device matching the predetermined location, receiving the authentication information; 
 responsive to receiving the authentication information, instructing the computing device to permit the user to access information; 
 failing to authenticate the user to access a graphical user interface associated with the predetermined location based on the authentication information; 
 responsive to failing to authenticate the user to access the graphical user interface, instructing the computing device to not permit the user to access the graphical user interface; and 
 continuing to display the information about the predetermined location. 
 
     
     
       9. The computer readable media of  claim 8 , wherein the at least one authentication level includes a first authentication level and a second authentication level, wherein the first authentication level and the second authentication level are different. 
     
     
       10. The computer readable media of  claim 8 , the operations further comprising creating a token identifying the user and the computing device to be stored on the computing device,
 wherein the authentication information comprises the token. 
 
     
     
       11. The computer readable media of  claim 8 , wherein the at least one authentication level is based on a user history received from a backend system, the user history comprising at least one of a user visit frequency, a list of visited branch locations, or visit patterns. 
     
     
       12. The computer readable media of  claim 8 , the operations further comprising receiving a prestaged transaction request, wherein the prestaged transaction request is received from the computing device via a graphical user interface. 
     
     
       13. The computer readable media of  claim 8 , the operations further comprising:
 receiving a second beacon identifier relating to a second location of the computing device and a second predetermined location; 
 determining, based on the second beacon identifier, the second location of the computing device matches the second predetermined location; and 
 transmitting a second graphical user interface associated with the second predetermined location. 
 
     
     
       14. A banking system comprising a backend system, the backend system comprising a processor, the processor configured to:
 receive a beacon identifier relating to a location of a computing device and a predetermined location, the predetermined location associated with an at least one authentication level requiring authentication information of a user of the computing device; 
 determine, based on the beacon identifier, the location of the computing device matches the predetermined location; 
 responsive to the location of the computing device matching the predetermined location, receive the authentication information; 
 responsive to receiving the authentication information, instruct the computing device to permit the user to access information; 
 fail to authenticate the user to access a graphical user interface associated with the predetermined location based on the authentication information; 
 responsive to failing to authenticate the user to access the graphical user interface, instruct the computing device to not permit the user to access the graphical user interface; and 
 continue to display the information about the predetermined location. 
 
     
     
       15. The system of  claim 14 , wherein the at least one authentication level includes a first authentication level and a second authentication level, wherein the first authentication level and the second authentication level are different. 
     
     
       16. The system of  claim 14 , wherein the at least one authentication level is based on a user history received from the backend system, the user history comprising at least one of a user visit frequency, a list of visited branch locations, or visit patterns. 
     
     
       17. The system of  claim 14 , the processor further configured to receive a prestaged transaction request, wherein the prestaged transaction request is received from the computing device via a graphical user interface.